there's been reports out of detroit and chicago that these cities in deep financial trouble may with looking -- may be looking to push some retirees into the health care exchanges instead of having to pay for health care benefits until they're the age of 65 or so, michael. if that happens and, again, it's just an idea, but if health care becomes entrenched in that way because of decisions made by politicians at a local level, how does that influence the political debate? >> i think one of the ways is that if cities, cities with big payrolls like shaq -- like chicago dump their employees on the health care exchanges, this program is going to end up costing more than has been projected, because those assumptions were baked into the bill. one of the things you have to realize about this bill is that even its backers admit that it was not the ideal piece of legislation they wanted. that's because after the victory of scott brown, the republican in the special senate election in january 2010, democrats no longer had the 60 votes they needed to beat back a pily buster in the -- filibuster